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Nordstrom Credit Card (they need to confirm identity?)

Established Contributor

Re: Nordstrom Credit Card (they need to confirm identity?)

One last question.....I know you said you don't have one of their cards, but do they have instant approvals, or are they all "7-10 days"? And is the recon number open on weekends?

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Contributor

Re: Nordstrom Credit Card (they need to confirm identity?)


resilient wrote:

One last question.....I know you said you don't have one of their cards, but do they have instant approvals, or are they all "7-10 days"? And is the recon number open on weekends?


I would imagine that they have to have instant approvals in-store, or else it defeats the purpose of offering you the opportunity to apply there. If they can't instant approve, then they lose the business to another lender or they lose the sale outright.

 

I have no idea about their credit department hours, sorry. You could call and ask / check?

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

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Established Contributor

Re: Nordstrom Credit Card (they need to confirm identity?)

Good info, Thanks, and I'll ponder if I really need it. It seems like it'd be a nice card though.

Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Contributor

Re: Nordstrom Credit Card (they need to confirm identity?)

If you do apply, go for the Nordstrom Notes, not the retail card. Best of luck!

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

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Frequent Contributor

Re: Nordstrom Credit Card (they need to confirm identity?)

Instant approvals are available in store. At Nordstrom though, an "instant" approval often means the associate taking your app phones in to credit services and they verify id and might ask some questions. Or it just spits out on the receipt as a true instant approval, but they do love to confirm id and such -- so dont think the associate having to call in means your declined. It's very common.

 

Online instant approvals are rare. They usually 7-10 day everyone. Sometimes they will have an answer almost right away if you call. again, don't think having to wait necessarily means you are declined.

 

Credit services is open 24/7. it's possible a recon would be handled by a supervisor that works regular business hours though. depends on if you are declined for something easily overridden or if you need more authority to approve.

Established Contributor

Re: Nordstrom Credit Card (they need to confirm identity?)

Lots of good info, I appreciate it. Do you know which report they pull? I'm in Georgia.
Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Contributor

Re: Nordstrom Credit Card (they need to confirm identity?)


resilient wrote:
Lots of good info, I appreciate it. Do you know which report they pull? I'm in Georgia.

I believe they always pull EQ, and if necessary / marginal, they'll pull TU as well.

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Established Contributor

Re: Nordstrom Credit Card (they need to confirm identity?)

And would you say scores need to be well over 700?
Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Contributor

Re: Nordstrom Credit Card (they need to confirm identity?)


resilient wrote:
And would you say scores need to be well over 700?

I don't know for sure, but they have a reputation as a somewhat conservative lender, so I would imagine the closer to 700, the better.

 

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Established Contributor

Re: Nordstrom Credit Card (they need to confirm identity?)

Thanks a lot. I'll find the recon number just in case, and pull the trigger!

Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)